CA SHARVARI KORE

• Executed risk-based internal audits across business and support functions, covering retail lending portfolios including Personal Loans, Consumer Durable Loans, and secured & unsecured products
• Performed end-to-end audits of lending lifecycle and support functions, evaluating compliance with RBI regulations, internal SOPs, and governance frameworks across risk, underwriting, operations, debt management, and customer service
• Assessed design and operating effectiveness of controls through process walkthroughs, transaction testing, exception analysis, and control validation
• Conducted root cause analysis of control failures, validating closure of audit observations through follow-up reviews to enhance control effectiveness
• Developed concurrent audit mechanisms for KYC and collateral verification, leveraging SQL-based analysis to ensure data integrity across large datasets
• Contributed to annual audit planning and transformation initiatives, emphasizing AI integration in audit processes to improve risk identification and control evaluation
• AI-driven review of service request audits
  RCM optimization using AI-assisted risk identification
  Participation in AI model training for audit use cases and control evaluation
  

• Executed SOX 404 compliance engagements for large listed multinational organization, assessing internal controls over financial reporting (ICFR) across global business processes to enhance compliance and risk management
• Performed process walkthroughs and end-to-end control evaluations, validating design and operating effectiveness of controls across P2P, R2R, Lease, Supply Chain Management, Treasury, Tax, and Commissions cycles
• Identified control deficiencies and assessed impacts on financial reporting, supporting remediation through control redesign and process improvements to strengthen overall control environment
• Prepared and reviewed SOX documentation, including control narratives, flowcharts, and testing workpapers, to ensure audit readiness and compliance with PCAOB standards, facilitating successful audits

Conducted statutory audit processes to ensure compliance with regulatory requirements.

• Performed substantive procedures and analytical reviews across key financial statement areas including revenue, expenses, payroll, fixed assets, and investments
• Evaluated accounting treatments and financial statement disclosures, identifying inconsistencies and supporting resolution in line with applicable standards